Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial
advice.

This website is not an offer to lend. NeedFinancialHelp is not a lender or lending partner and does not make loan or credit
decisions. NeedFinancialHelp connects interested persons with a lender or lending partner from its network of approved
lenders and lending partners. NeedFinancialHelp does not control and is not responsible for the actions or inactions of
any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not
endorse any lender or lending partner. NeedFinancialHelp receives compensation from its lenders and lending partners, often
based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless,
NeedFinancialHelp’s service is always free to you. In some cases, you may be given the option of obtaining a loan from
a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including
usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher
than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal
jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed,
and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable
to you.

This service is not available in all states. If you request to connect with a lender or lending partner in a particular state
where such loans are prohibited, or in a location where NeedFinancialHelp does not have an available lender or lending
partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any
loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay
or that includes terms that are not acceptable to you.

By submitting your information via this website, you are authorizing NeedFinancialHelp and its partners to do a credit check,
which may include verifying your social security number, driver license number or other identification, and a review of
your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax
and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize
NeedFinancialHelp to share your information and credit history with a network of approved lenders and lending partners.

Lender’s or Lending Partner’s Disclosure of Terms.

The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining
to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed
(if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined
solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria
and applicable law. NeedFinancialHelp has no knowledge of or control over the loan terms offered by a lender and lending
partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to
reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself
and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment
on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.